After starting out with the same description of the FDIC and deposit insurance as Monday's reported phishing e-mail, the new e-mail states that "GoldLeaf Financial Solutions and the FDIC, in collaboration with the leaders in consumer payments processing systems launched SON - Secure Online Network." The e-mail goes on to describe "SON." It also tells the recipient that their "...personal information did not match any SON code..." and asks them to "...follow the link below where you will be redirected to your bank's Initiate-SON website. Once the application is processed, the SON code will be mailed to your bank-statement address."

If you've been exposed by either of these, you will need to monitor your credit reports for at least a year. FTC's Identity Theft site.